Out of the choices provided above, it can be concluded to state that S&P stands for ''Standard & Poor's'' in reference to a credit rating agency. Therefore, the option B holds true.
What is the significance of a credit rating agency?A credit rating agency can be referred to or considered as a professional and licensed authority, which deals in showcasing the credit reports of an individual or an institution in the market with respect to the credibility he or she has in the market.
There are different set standards in the reports presented by a credit rating agency, such as S&P. This Standard & Poor's rating showcases the creditworthiness of an individual as per the reports of the agency for the given period of time.
Therefore, the option B holds true and states regarding the significance of credit rating agency.
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The missing choices are added below for better reference.
What does S&P stand for in reference to a credit rating agency
A. Standard & Professional
B. Standard & Poor
C. Set & Pack
D. None of these
green company, an accrual basis taxpayer, provides business-consulting services. clients generally pay a retainer at the beginning of a 12-month period. this entitles the client to no more than 40 hours of services. once the client has received 40 hours of services, green charges $500 per hour. green company allocates the retainer to income based on the number of hours worked on the contract. at the end of 2021, the company reported as a liability in its financial statements $50,000 of unearned revenues from these contracts. the company also reported $10,000 in unearned rent income received in 2021 from excess office space leased to other companies. considering only this information, how much gross income must green report in 2022 for tax purposes?
Considering the given information, a gross income of $50,000 must green report in 2022 for tax purposes.
What is Gross Income?
The sum of an individual's earnings before taxes or other deductions is their gross income, which is sometimes referred to as their gross pay on a paycheck. This covers earnings from all sources, not only work, and is not restricted to earnings in cash; it also covers earnings from the receipt of goods or services. For businesses, the terms gross income, gross margin, and gross profit are equivalent. On the income statement, a company's gross income is calculated as total revenue less cost of goods sold (COGS). A person's total income is made up of their wages and salaries as well as other sources of income such dividends, interest, pensions, and rental income. A company's gross income is its total sales less its cost of products sold.
rent = year paid
retainer = deferred
So, the required answer is $50,000.
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Sergey's boss has very strong opinions and often frowns upon questions from the team. this creates an environment where everyone just agrees with the boss's decisions without questioning them. what is this called? question 14 options: consensus critical thinking groupthink group dynamics
An environment where everyone just agrees with the boss's decisions without questioning them is called: groupthink.
What is the decision-making process?The decision-making process simply refers to a cognitive process that involves gathering and analyzing information, as well as evaluating alternative courses of action, in order to enable the proper selection of an optimum and higher-quality solution to a particular problem.
What is a groupthink?A groupthink can be defined as a psychological practice which involves thinking or making decisions as a group of people, that typically results in an unchallenged, irrational, weak, poor-quality, or dysfunctional decision-making due to their desire for harmony, conformity and unanimity.
In this context, we can reasonably infer and logically deduce that Sergey's team are engaged in a groupthink because they all agree with their boss's decisions without questioning or challenging them.
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Answer:
groupthink
because i took the test
a first-of-its-kind mobile application used for tracking budgets is in the market introduction stage of the product life cycle. advertisers want to inform potential customers about the new app and turn them into adopters. which of the following kinds of advertising is usually most appropriate in this case?
Advertisers want to inform potential customers about the new app and turn them into adopters, pioneering advertising is usually most appropriate in this case.
A customer is an individual or company that makes a purchase from a third party. The main objective of any business is to attract a clientele of repeat customers who will spend money with them. In India, many traders and businesspeople refer to their customers as God because they believe that they are the ones who bring in the money. An advertiser is a person or business who forks over money to have a service, occasion, or job advertised in a newspaper, on television, or on a poster. Your responsibilities as an advertiser include carrying out market research, working with the sales and design teams to develop targeted ad campaigns, reviewing multimedia ads to ensure a consistent brand voice,
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The superego includes the ______, which prevents us from behaving in a morally improper way by making us feel guilty if we do wrong.
The superego includes the conscience, which prevents us from behaving in a morally improper way by making us feel guilty if we do wrong.
A moral sense is a cognitive procedure that elicits emotion and rational institutions based on a character's moral philosophy or fee system. moral sense stands in evaluation to elicited emotion or thought because of institutions based totally on the spot sensory perceptions and reflexive responses, as in sympathetic significant apprehensive gadget responses.
In common phrases, the judgment of right and wrong is often defined as leading to feelings of regret when a person commits an act that conflicts with their ethical values. The extent to which judgment of right and wrong informs ethical judgment before an action and whether or not such ethical judgments are or must be based totally on purpose has occasioned debate via a good deal of cutting-edge records between theories of basics in the ethic of human lifestyles in juxtaposition to the theories of romanticism and other reactionary movements after the quilt of the middle a while.
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What is the difference between having a co-signer and becoming an authorized user?.
A co-signer cannot make purchases, although an authorized user can. If the principal cardholder doesn't pay off the balance or debt, the co-signer does.
What is co-signer ?When a borrower does not repay a loan as agreed, a co-signer agrees to be held accountable for the debt. If you want to buy a big item, like a car, but you can't get a loan on your own, you might consider getting a co-signer. Along with the primary borrower, a co-signer is fully responsible for debt payments. A family member will frequently co-sign a loan.
What are the benefits of a co-signer and how does co-singer works ?Obtain a lowered security deposit while leasing an apartment, Get a car loan with a lower rate of interest and monthly cost, reduce the interest rate on your mortgage, Obtain a student loan from a private lender with a reduced interest rate. Together with the principal borrower, the co-singer works through and assumes full responsibility for loan repayment. A family member will frequently co-sign a loan. If the borrower defaults, the co-signer may be required to pay any missing payments as well as the entire loan balance.
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How does a tax deduction work?
Your taxable income is decreased by a tax deduction, which decreases your overall tax burden.
Define the working of tax deduction?You have two options when claiming tax deductions on your tax return: itemize your deductions or take the standard deduction. You must select one!
A standard deduction is the simple choice since it's like an automatic tax break; the IRS sets the amount each year. The taxable income is effectively lowered by a predetermined amount should you select to take the normal deduction, depending on whether you file as a single person, a married couple filing jointly, or a married couple filing separately. You will pay less in taxes as a result of this. There's no need to sift through bank statements or receipts to identify your deductions.It takes extra time to itemize your deductions because you have to list each one separately.
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Which method of funding higher education accrues interest until it is paid back?.
Funding higher education accrues interest until it is paid back through is Loan method.
An interest-bearing loan is a money that you must repay. Loans might be included in your school's financial aid package if you apply for them. In order to pay for your college or career school tuition, you must take out a student loan. You'll be responsible for paying back the loan plus interest.
An aid program that requires repayment includes student loans. Numerous types of federal and private loans, as well as a variety of repayment plans, are available for college loans. Take a look at your options for grants, scholarships, federal loans, and then private loans. For the purpose of paying for college, students may take out loans, which must be repaid with interest.
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Suppose a decrease in the supply of wheat results in an increase in revenue. This indicates that?.
A decrease in the supply of wheat resulting in an increase in revenue indicates that B) the resulting increase in price is proportionately greater than decrease in quantity sold.
As the supply of wheat will be decreased, this means that its price in the market will increase due to the short supply but increased demand. As wheat is a product that is required majorly by people, hence its prices will most likely go rocket high.
Due to this reason, a decrease in the supply of wheat in the market can result in higher revenue. Higher amounts of wheat might not be sold at such high values and hence do not generate such high revenue.
Although a part of your question is missing, you might be referring to this question:
Suppose a decrease in the supply of wheat results in an increase in revenue. This indicates that?
A) the decrease in quantity sold is proportionately larger than the resulting change in price.
B) the resulting increase in price is proportionately greater than decrease in quantity sold.
C) the demand curve for wheat must be vertical.
D) the supply curve for wheat must be vertical.
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suppose we deposit $1195 in a savings account earning 3.1% per year, compounded annually. calculate the value of the account at the end of year 29.
The initial loan amount, or principal, is multiplied by the annual interest rate raised to the number of compound periods minus one to get compound interest.
After this, you will have the entire loan amount, including the compound interest.
How is the annual compounded amount calculated?
On the off chance that the given chief is accumulated every year, the sum after the time span at percent pace of revenue, r, is given as: A and C.I. would be as follows: P(1 + r/100)t - P.
Interest that is calculated based on the initial principal as well as all of the interest that has accumulated over previous periods is referred to as compound interest.The power of compound interest is the process of producing "interest on interest."Any frequency schedule, from continuous to daily to annual, can be used to compound interest.
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How is a capital asset's tax basis calculated?
a. The tax basis includes costs incurred in preparing the asset for initial use.
b. The tax basis includes costs to substantially improve the asset.
c. The tax basis includes the original cost (or other basis) in the asset.
The tax basis covers the costs of considerably improving the asset. The initial cost (or other basis) in the asset is included in the tax basis. The tax basis comprises costs incurred in preparing the asset for initial use.
A tax is a mandatory financial charge or other type of levy imposed on a taxpayer by a governmental organization to fund government spending and various public expenditures, and tax compliance refers to policy actions and individual behavior aimed at ensuring that taxpayers pay the right amount of tax at the right time and receive the correct tax allowances and tax reliefs. The first known taxes took place in Ancient Egypt between 3000 and 2800 BC. Failure to pay on time, as well as tax avoidance or resistance, is illegal and penalized by law. Taxes can be either direct or indirect, and they can be paid in cash or in labor equivalents.
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returns earned over a given time period are called realized returns. historical data on realized returns is often used to estimate future results. analysts across companies use realized stock returns to estimate the risk of a stock. five years of realized returns for celestial crane cosmetics inc. (crane cosmetics) are given in the following table:
Measuring standalone hazard the use of realized facts Returns earned over a given time period are referred to as realized returns.
Historical statistics on realized returns is often used to estimate future results. Analysts across organizations use realized stock returns to estimate the chance of a stock.
The complete return for a stock consists of both capital gains/losses and dividend income, whilst the nominal return for a inventory only depicts its rate change. Investors must additionally reflect onconsideration on whether the chance worried with a certain funding is something they can tolerate given the real price of return.
What is the common return on stocks?The inventory market has again an common of 10% per 12 months over the previous 50 years. The past decade has been terrific for stocks. From 2012 via 2021, the average stock market return was 14.8% yearly for the S&P five hundred index (SNPINDEX: ^GSPC).
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https://brainly.com/question/27723330#SPJ4in terms of the investment demand curve, an increase in demand is represented by a(n) ______ shift and a decrease in demand is represented by a(n) ______ shift.
In terms of the investment demand curve, an increase in demand is represented by a rightward shift, and a decrease in demand is represented by a leftward shift.
A boom inside the level of manufacturing is in all likelihood to enhance the call for capital and as a consequence cause greater funding. Consequently, growth in GDP is likely to shift the funding demand curve to the proper.
An expected destiny growth in demand for his or her product will lead to large income and consequently ends in an immediate boom in investment call. An increase in expected future earnings shifts the investment curve to the proper; a decrease shifts the curve to the left.
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the perspective in the balanced scorecard approach that is concerned with the shareholders' view of organizational performance, such as market share, revenue growth, and stock price, is known as the perspective.
Finance is a balanced scorecard approach perspective, addressing shareholders' perspectives on company performance as it helps companies identify and improve internal operations to improve external outcomes.
The term Balanced Scorecard (BSC) refers to strategic management performance metrics used to identify and improve the external outcomes of various internal business functions and their outcomes. Balanced scorecards are used to measure and provide feedback to organizations and are common in companies in the US, UK, Japan, and Europe. Data collection is essential to provide quantitative results as managers and executives gather and interpret information.
The Balanced Scorecard allows companies to measure their intellectual capital alongside their financial data to analyze the successes and failures of their internal processes.
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the effective interest rate method of amortizing a bond discount or premium is the preferred method by generally accepted accounting principles. true or False
True. This is because it results in a constant periodic rate of interest on the carrying value of the bond, which is more representative of the true economic cost of borrowing.
The Effective Interest Rate Method of Amortizing a Bond Discount or PremiumThe effective interest rate method of amortizing a bond discount or premium is generally accepted as the preferred accounting method because it results in a constant periodic rate of interest on the carrying value of the bond. This method is more representative of the true economic cost of borrowing, as it results in interest payments that are more consistent with the actual cost of borrowing funds.
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you are set to receive an annual payment of $12,200 per year for the next 18 years. assume the interest rate is 7.1 percent. how much more are the payments worth if they are received at the beginning of the year rather than the end of the year?
The difference in value is worth an additional $8,650.65 in cash.
1) The end of each year is when payments are made.
To calculate the present value of the payments we will be receiving at the end of each year, we will use the annuity formula in this case.
Annual Cash flow (P) = $12,200
Interest Rate (r) = 7.1%
The number of Payments (n) = 18
Annuity PV Factor (End of Year) = { P [ 1 - ( 1 + r )-n ]} / r
Annuity = 12200* [ 1 - (1 + 7.1%)¹⁸] / 7.1%
Annuity = $8650.64568 / 0.071
Therefore, the Annuity PV factor = 121840.08
2) At the beginning of the year, payments are due.
We will apply the annuity formula, as in the case above, to determine the present value of the payments we begin receiving each year. Due to the fact that the first payment is being made at today's price, its value will remain constant.
Annuity PV Due (Beginning) = {P + P [ 1 - ( 1 + r )^-(n-1) ]} / r
Annuity = 12200 + 12200 * {1 - [1 / (1 + 7.1%)^(18-1)]} / (7.1%)
Therefore, Annuity PV Due = $130490.7257
Difference = 130490.73 - 121840.08
Therefore, the difference between the payments received = $8650.65
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Since lower-income people spend a larger proportion of their incomes on groceries than do higher-income people, if grocery stores were required by law to charge a 10-cent fee for disposable bags, this fee could be considered a.
If grocery stores were compelled by law to charge a 10-cent fee for disposable bags, this fee may be viewed as a regressive tax because lower-income people spend a bigger percentage of their salaries on food than do higher-income persons.
What does it mean when taxes are regressive?When the average tax burden reduces as income increases, the tax is said to be regressive. While middle- and high-income taxpayers bear a disproportionately small part of the tax burden, low-income taxpayers bear a disproportionately large share.
What kind of tax is regressive, for instance?Regressive taxes include those on the majority of consumer items, sales, gas, and Social Security payroll. Specific regressive tax types include Pigouvian and sin taxes.
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investment vehicles at the very bottom of the investment pyramid are most likely to have a: higher risk of losing purchasing power through inflation. greater potential for higher returns. greater potential for investment risk. reducing safety of principal.
Investment vehicles at the very bottom of the investment pyramid are most likely to have a greater potential for investment risk .
What is investment pyramid?
A portfolio approach known as an investment pyramid, sometimes known as a risk pyramid, allocates assets based on the relative risk levels of various investments. The variance of the investment return, or the possibility that the investment would significantly lose value, is used in this technique to characterize an investment's risk.What are the investing pyramid's four levels?
Protection, savings, wealth creation, and speculation make up the bottom four tiers of the pyramid. Protection is the cornerstone of the financial planning pyramid, and any sound financial plan must be built upon it.Learn more about investment pyramid
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as a measure of economic performance, the united states gross domestic product (gdp) accounts for which of the following?
A) The use of open-source, free Web browsers
B) A parent's care of children in the home
C) The street sale of illegal substances
D) The cleanup of an oil spill
E) The production of vegetables grown in the backyard and consumed by the family
The cleanup of an oil spill as a measure of economic performance, the united states' gross domestic product accounts.
Economics specializes in the behaviour and interactions of financial sellers and the way economies work. Microeconomics analyzes what's regarded as primary factors within the financial system, which include person dealers and markets, their interactions, and the outcomes of interactions. Person dealers might also encompass, as an instance, families, companies, customers, and sellers. Macroeconomics analyzes the economic system as a gadget where production, consumption, saving, and investment engage, and elements affecting it: employment of the resources of labour, capital, and land, forex inflation, monetary boom, and public regulations that have effect on those elements.
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fully vested incentive stock options exercisable at $50 per share to obtain 24,000 shares of common stock were outstanding during a period when the average market price of the common stock was $60 and the ending market price was $60.
fully vested incentive stock options exercisable at $50 per share to obtain 24,000 shares is equal 4000 shares.
Given:
Exercisable price per share = $50
Number of shares of common stocks to be obtained = 24,000
Average market price of the common share = $60
Ending market price per share = $60
Total Amount for the shares = Number of shares × Price per share
or
Total Amount for the shares = 24,000 × $50 = $1,200,000
Thus,
number of shares purchased = 1200000/60
or
The number of shares purchased = 20000
Hence,
Increased weighted-average number of shares
= Shares to be obtained - Actual number of shares purchased
or
= 24000 - 20000 = 4000 shares
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amos is a new licensee who has just earned his first commission check. what should he do with it?
Amos should deposit his first commission check into a business account separate from his personal account.
To manage its finances, a business requires a system. The uninvested cash, money owed to the company, money owing to creditors, and payroll payments to employees are all tracked using business accounts. it is different from personal account. Different businesses will demand different number of accounts; however all firms need business accounts. A bank account designated solely for business transactions, as opposed to personal funds, is known as a business account. It can be set up in the company's name, enabling payments will be made and received under the original company. Similar to how personal accounts work, so do business accounts.
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Yan yan corp. Has a $2,000 par value bond outstanding with a coupon rate of 4. 7 percent paid semiannually and 13 years to maturity. The yield to maturity of the bond is 5. 05 percent. What is the dollar price of the bond?.
The dollar price of the bond is $1,923.29.
What is a bond?Bonds are a sort of security used in finance where the issuer (debtor) owes the holder (creditor) a debt and is expected, depending on the terms, to repay the bond's principle (i.e., the amount borrowed) at the bond's maturity date as well as interest (known as the coupon) over a specific period of time. The most prevalent sorts of bonds are municipal, corporate, and government bonds. Because bonds are frequently negotiable, the ownership of the bond can frequently be transferred on the secondary market. This suggests that when the transfer agents at the bank medallion-stamp the bond, it is quite liquid on the secondary market. The price of a bond in the secondary market may be very different from its principal due to several characteristics of bond valuation.
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why are setting goals important for weight loss and weight management?
Setting long-term objectives aids in maintaining perspective. They can help you change your perspective from merely following a diet to making lifestyle changes.
How do SMART goals help with weight loss and why do the work?You can concentrate on the big picture by setting long-term goals. Overall, they can help you transform your perspective from merely following a diet to adopting a new way of life. However, long-term objectives could appear too challenging or distant. A long-term objective might be better served by being divided into a number of smaller, more immediate objectives.Goal types include, for example:Lose 15 pounds in three months is the long-term objective.Short-term objectives: Because early weight loss is frequently faster, split your long-term objectives into monthly targets. For example, aim to lose six pounds in the first month and four pounds in each of the last two.Process goals: walk for 30 minutes each day. If you don't walk regularly now, you can start by walking for 15 minutes every day for two weeks before increasing your walk by 5 minutes per week.By using SMART goals, you can be sure that you're giving yourself and people around you the best possible chance of achievement and personal growth.Your objectives should meet the following standards: they should be precise, measurable, assignable, relevant, and timely. Beyond that, you can tailor the goals to your own requirements and aspirations, based on what you hope to achieve. Both of these ought to provide you a distinct purpose and result in the achievement of goals that are easy and stress-free.To Learn more About long-term objectives refer to:
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amazon generates sales of a million copies of books by selling 10 copies each of 100,000 different books targeted at various niche markets rather than trying to sell one million copies of a single bestselling book. this is an example of:
This is an example of long-tail marketing.
Long tail marketing is a strategy for selling small quantities of specialty goods and services in addition to huge quantities of well-liked goods. According to the assumption, the cumulative profit from sales of low-demand products will be comparable to that of popular ones.
The long-tail marketing technique enables a company to increase the variety of its customers. No long tail, by definition, consists of just one consumer group; rather, it will represent a large number of various consumer segments, and the longer the tail, the more diverse the customer base.
For instance, a business may employ the well-liked keyword phrase "running shoes" while also focusing on the more specific long tail keyword phrase "best trail running shoes." From there, a marketing plan is developed around the keywords to raise your position in search engine results and boost website traffic.
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During a recession, unemployment compensation payments increase without the need for any government action. This increase is an example of.
This increase is an example of automatic fiscal policy.
Automatic stabilizers are a sort of fiscal policy intended to counteract changes in a country's economic activity through the course of their regular operation without additional or timely approval by the government or policymakers.
The most well-known automatic stabilizers include gradually graduated corporate and individual income taxes, as well as transfer programs like welfare and unemployment insurance. Because they act to smooth economic cycles and are automatically initiated without further government intervention, automatic stabilizers are so named. Although they may also be used to "cool off" an expanding economy or fight inflation, automatic stabilizers are primarily intended to counter negative economic shocks or recessions.
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which of the following statements accurately compares marketing to final consumers with marketing to organizational customers?
A) As compared to B2B buyers, consumers are more likely to utilize purchasing specifications
B) Firms may choose to serve either organizational buyers or final consumers. but not both
C) As compared to those made by consumers, purchasing decisions by organizational buyers are usually more economic and less emotional
D) Business-to-business marketing includes marketing to final consumers
E) Marketing to organizations is just like marketing to final consumers
The correct statement that accurately compares marketing to final consumers with marketing to organizational customers is:
c. As compared to those made by consumers, purchasing decisions by organizational buyers are usually more economic and less emotional.
Retailers, manufacturers, distributors, and institutions are some examples of organizational purchasers. They are crucial in boosting demand across the supply chain. However, compared to regular consumers, organizational buyers, who are in charge of making purchasing decisions for their organizations, tend to be a little more intelligent.
Corporate purchasing. Organizational purchasing largely on this. It is the procedure used by formal organizations to determine the criteria for making a purchase of goods or services by locating, evaluating, and choosing the best substitute for the market's many brands and providers.
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the phenomenon that may compel some people to prolong or postpone their job search because they can collect unemployment benefits for a longer time is an example of . a.) market failure b.) moral hazard c.) externalities d.) principal-agent problems
b) Moral hazard is a phenomenon that may lead some people to delay or prolong their job search so they can continue receiving unemployment benefits.
Describe moral hazard.The possibility that a party did not enter into a contract in good faith or gave false information regarding its assets, liabilities, or credit capacity is known as a moral hazard. Moral hazard can also refer to a party's incentive to take exceptional risks in an effort to benefit before the contract is settled.
Any time two parties reach an agreement, there is a potential for moral risks. Every party to a contract may be able to benefit from going against the guidelines outlined in the agreement. The likelihood of a moral hazard increases any time a party to an agreement does not have to bear the potential consequences of a risk.
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service staff poka-yokes usually focus on preparing the customer for the encounter, understanding and anticipating their role in the service transaction, and selecting the correct service or transaction.
The service staff poka-yokes DOES NOT focus on preparing the customer for the encounter, understanding and anticipating their role in the service transation, and selecting the correct service or transaction.
Poka-yokes is a Japanese ideology and techniques that used to avoid simple human error in the workplace. This concet also known as mistake-proofing system.
In the service industry, poka-yokes is used in the process of designing the service blueprint. The service blueprint will provide the guidance about how service staff should act and it usually including what should be asked or told to the customer.
The poka-yokes system is also implemented by using the checklist and repeated question-answer set. This system is used to ensure that the service staff have all the information needed to proceed with the next service procedures.
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an agent must maintain customer records for
An agent must maintain customer records for three year.
Customer data is customer information collected in a first party context. For example, information collected from websites, apps, brick-and-mortar stores, or other situations where customers share information directly with you.
CRM tools allow you to store customer and prospect contact information, identify sales opportunities, record service issues, and manage marketing campaigns all in one place, allowing you to keep track of all your interactions with customers. You can make information about interactions available to anyone in your organization who needs it. that.
Customer Data includes personal, demographic and behavioral data that help us better understand our target audience and improve the way we communicate and interact with prospects and customers.
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the long-run average cost curve defines the minimum average cost of producing alternative levels of output, allowing for optimal selection of multiple choice fixed factors of production. only one factor of production. all factors of production. sunk cost factors of production.
The long-run average cost curve defines the minimum average cost of producing alternative levels of output, allowing for optimal selection of all factors of production.
Long run cost is the minimal cost of producing any given level of output when all individual factors are variable. The long run cost curve helps us understand the functional relationship between out and the long run cost of all factors of production.Factors of production are the resources people use to produce goods and services; they are the building blocks of the economy. Economists divide the factors of production into four categories: land, labor, capital, and entrepreneurship.
Factors of production are resources that are the building blocks of the economy; they are what people use to produce goods and services. Economists divide the factors of production into four categories: land, labor, capital, and entrepreneurship.Thus, option (c)all factors of production is correct.
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What is one thing you would like to accomplish in the coming year?
One thing you would like to accomplish this year should be any desire of yours such as buying a house, or passing with good grades.
People tend to set up goals for themselves that they want to accomplish in a particular year.
Some people set goals at the beginning of each year and try to accomplish them throughout the year.
What you want to accomplish in a year depends on your desires. One might want to accomplish the step of buying their own house. others might want to get good grades in the exams. You try to accomplish what you want in a year.
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